Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$75,097Cash toward the purchase price.
Closing costs + prepaids$16,951Not just lender fees.
Before credits & paid funds$92,048The complete starting cash picture.
Estimated remaining funds due at closing
$92,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,097.14
Your down payment$75,097.14
Closing costs + prepaids$16,950.73
Total buyer cash needed$92,047.87
Remaining funds due$92,047.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,569.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$709.00
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$2,014.22
Fees + prepaids$16,950.73
Your down payment is the seller’s equity. You take over the $513,903 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $92,047.87 is due at closing. Uses and sources reconcile at $605,950.73 each. Not a Closing Disclosure.